Get Your Business Funded in as Little as 24 Hours

From $50K quick capital to $25M commercial real estate deals—our 2-minute application connects you to the best funding options for your business.

✓ Term Loans & Lines of Credit

✓ SBA Lending & Refinancing

✓ Commercial Real Estate Financing

✓ Fast Capital Solutions ($50K–$25M)

Comprehensive Business Funding Solutions

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Funding in as little as 24 hours

All Loan Types

From working capital to CRE

Meet your lender

$50K to $25M+

Quick Capital Solutions

When you need cash fast, these options get you funded in days—not weeks. Perfect for covering immediate expenses, seizing time-sensitive opportunities, or managing short-term cash flow gaps.

  • Merchant Cash Advances: Get funded in 24-48 hours based on your daily credit card sales. Perfect for restaurants, retail, and service businesses that need immediate working capital.

  • Short-Term Loans: Fast approval, typically less than a week, for 3-18 month terms. Use for inventory purchases, seasonal cash flow gaps, or unexpected expenses. Minimal documentation required.

  • Revenue-Based Financing: Repay as a percentage of monthly revenue—when business is slow, payments are lower. Ideal for businesses with fluctuating income.

Traditional Business Loans

Structured financing with predictable terms for established businesses ready to grow. These are your workhorse loans—reliable, flexible, and built for companies with a track record.

  • Term Loans & Lines of Credit: Structured financing from $50K to $5M with predictable monthly payments. Best for established businesses looking to expand, hire, or invest in growth.

  • Equipment Financing: Finance up to 100% of equipment costs—from manufacturing machinery to restaurant equipment to fleet vehicles. The equipment itself serves as collateral.

  • Invoice Factoring: Turn outstanding invoices into immediate cash. Get up to 90% of invoice value within 24 hours. Perfect for B2B businesses waiting on slow-paying clients.

SBA & Government Lending

Government-backed loans offer the lowest rates and longest terms available. More paperwork, but worth it for major investments. Zero2Ten navigates the complexity for you.

  • SBA 7(a) Loans: The gold standard for small business loans—up to $5M with favorable terms and lower down payments. Great for acquisitions, real estate, or major expansion.

  • SBA 504 Loans: Long-term, fixed-rate financing for major assets like commercial real estate or heavy equipment. Terms up to 25 years with as little as 10% down.

Commercial Real Estate

Big deals require specialized expertise. Whether you're buying your first building or expanding your portfolio, we connect you with lenders who understand commercial property financing.

  • Property Acquisition: Finance 75-90% of purchase price for owner-occupied or investment properties. Office buildings, warehouses, retail centers, or mixed-use developments.

  • Construction Loans: Ground-up construction or major renovations from $500K to $25M+. We work with lenders who understand the complexity of construction financing.

  • Investment Property Financing: Build your commercial portfolio with competitive rates on multi-family, retail, or office properties. DSCR loans available for investors.

Real Estate Investors: Fix & Flip and Rental Properties

Through our exclusive partnership with Redwood Equity Capital, Zero2Ten offers specialized financing for property investors—whether you're flipping for profit or building a rental portfolio.

  • Fix & Flip Financing: Short-term bridge loans (6-18 months) with competitive rates and quick closes. Finance up to 95% of purchase price + 100% of renovation costs. Interest-only payments mean your cash flow stays manageable while you rehab. No appraisal required at purchase—close in days, not weeks

  • Long-Term Rental (DSCR) Loans: Financing based on property cash flow, not your personal income. No W-2s, no tax returns, no DTI checks required. Perfect for self-employed investors or those with multiple properties. Finance single rentals ($75K–$2M) or entire portfolios ($500K–$100M+). Terms from 5-30 years with fixed rates.

  • Short-Term Rentals (Airbnb/VRBO): Specialized DSCR products designed for vacation rental properties. Underwritten on projected rental income from your market, not your tax returns. Build your STR portfolio without income verification headaches.

  • The BRRRR Strategy (Buy, Rehab, Rent, Refinance, Repeat): Start with our fix & flip loan to acquire and renovate, then refinance into a long-term DSCR loan once stabilized and rented. Pull your equity back out to fund the next deal. Scale your portfolio without hitting traditional bank limits on number of properties.

500+

Satisfied Customers

5+

Years of Experiance

50

Cities Covered

100+

Lending Sources

Ready to speak to an Advisor?

SERVICES LIST

What you will learn with this book

Short-Term Cash Loans

These loans provide a quick infusion of cash to cover immediate expenses until your next paycheck arrives. With relatively small loan amounts and short repayment periods, usually a few weeks, they offer a temporary solution for unexpected bills or cash shortfalls.

Payday Advances

Similar to short-term cash loans, payday advances are designed to bridge the gap between paydays. You can borrow a portion of your upcoming paycheck and repay the advance, plus fees and interest, when you receive your next paycheck.

Cash Loan

A cash advance allows you to borrow money against your credit card's available balance. Payday lenders may offer this service, providing you with immediate cash in exchange for fees and the promise to repay the advance from your next paycheck.

Title Loans (using a vehicle title as collateral)

For those who own a vehicle outright, title loans allow you to use your vehicle's title as collateral for a short-term loan. The lender holds onto your title until the loan, plus interest and fees, is repaid.

Installment Loans

Unlike single-payment payday loans, installment loans from payday lenders are repaid over a longer period through scheduled installments. This can make larger loan amounts more manageable but also increases the overall interest paid.

Check Cashing Services

Many payday lenders offer check cashing services, allowing you to cash personal, payroll, government, or other types of checks for a fee, providing instant access to those funds.

Testimonials

When my car broke down unexpectedly, I was hit with a massive repair bill that I simply couldn't afford. Thanks to the quick payday loan service, I was able to get the cash I needed within hours to fix my car and get back on the road. Their hassle-free process and friendly staff made a stressful situation so much easier to manage. I'm grateful for their help during my time of need.

JOHN DOE

As a single mom, juggling bills and unexpected expenses can be overwhelming. Last month, when I was hit with a higher than normal utility bill, I didn't know how I would make ends meet. Fortunately, the payday lenders provided me with a short-term loan solution that allowed me to keep the lights on until my next paycheck. Their service was confidential, and the process was clearly explained. I can't thank them enough for their assistance during a very difficult time.

JANE DOE

Costs

Loan amount:

$xxx - $xx,xxx

Repayment period:

12 monts - 24 months

Payday loans typically come with relatively short repayment periods, often aligning with your next pay cycle. Many lenders require repayment in full, including the principal amount borrowed plus interest and fees, within 2-4 weeks. The interest rates charged by payday lenders are significantly higher than those offered by traditional banks and credit unions for longer-term loans.

Annual percentage rates (APRs) can range anywhere from 200% to 500% or even higher in some cases. While this makes payday loans an expensive option, the trade-off is quick access to cash for those unable to qualify for more favorable rates from banks. Lenders justify the higher rates as compensation for taking on borrowers with poor or no credit histories. It's crucial to carefully review the terms and have a plan to repay the full amount on time to avoid rolling over the debt and incurring additional fees.

FAQS

How much can I borrow with a payday loan?

The maximum loan amount varies by lender and state regulations, but typically ranges from $300 to $1,000. Many lenders offer smaller sums like $100 or $200 for first-time borrowers or those with limited income.

What do I need to qualify for a payday loan?

While requirements can vary, most lenders require you to be at least 18 years old, have a steady source of income, an active checking account, and a valid form of identification. Some may also consider your credit history but bad credit does not automatically disqualify you.

How long do I have to repay a payday loan?

Payday loans are short-term loans designed to be repaid with your next paycheck, usually within 2 to 4 weeks. Some lenders may offer slightly longer terms of up to 45 days, but the loan periods are meant to be brief until your next pay date.

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Sunday – Closed

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